Скачать или смотреть Why Smart People Still Fall into Credit Card Debt ? | Sachin Thakur

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"Mai Commerce Student Hu" - Is Ghamand Ne 5 Lakh Ka Karza Kara Diya!
RuPay Credit Card UPI: The Biggest 'Silent' Trap for Indians?
Why Smart People Fail? My Real Credit Card Debt Story (2020-2026)

2️⃣ SEO Optimized Description

Kya aap bhi sochte hain ki "Main toh smart hoon, mujhe finance ki samajh hai, main Credit Card ke jaal mein nahi fasunga"?

Maine bhi yahi socha tha jab maine apna pehla Credit Card liya tha. Main ek Commerce student tha, mujhe banking system ki knowledge thi, lekin fir bhi aaj main lakho ke karze mein hoon.

Is video mein maine apni Real Life Story share ki hai—kaise YouTube payment ke liye HDFC account khulwane se lekar, RuPay Credit Card ko UPI se connect karne tak, maine wo galtiyan ki jo aaj ka har youth kar raha hai.

Chote-chote UPI transactions, "Buy Now Pay Later" ka nasha, aur "Available Limit" ko apna paisa samajhne ki bhool kaise aapki net worth ko negative kar deti hai, ye video usi bare mein hai.

Video Highlights:

The psychological trap of RuPay Credit Card UPI


Checking Credit Balance vs. Bank Balance (The Mind Game)


Rotating money between cards (HDFC & Kotak)


How casual spending turned into ₹4-5 Lakhs debt



Agar aapke paas bhi Credit Card hai, toh ye video end tak dekhna, shayad aap ek badi galti karne se bach jao.

Aapka Credit Card experience kaisa raha hai? Comment karke batana. 👇

3️⃣ Disclaimer

Disclaimer: This video is based on my personal financial journey and mistakes made between 2020 and 2026. The specific banks mentioned (HDFC, Kotak) and amounts are part of my personal story and are not intended to defame any institution. This is not professional financial advice; please consult a financial advisor for debt management.

4️⃣ Tags

Credit card debt trap, RuPay credit card UPI, personal finance story Hindi, credit card hidden dangers, HDFC credit card reality, Kotak credit card bill, credit card rotation trap, UPI payment scam, financial freedom journey, commerce student mistake, debt free 2026, credit card psychology, spending habits, money management failure, smart people debt, credit card vs debit card, bank balance psychology, how to get out of debt.

5️⃣ Keywords

Primary Keywords

Credit Card Debt Story
RuPay Credit Card UPI Trap
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Secondary Keywords

HDFC vs Kotak Credit Card
Psychology of Credit Cards
Financial Mistakes by Students
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Long-tail Search Phrases

Why smart people fall into credit card debt


RuPay credit card se UPI payment karne ke nuksan


Real story of 5 lakh credit card debt


Checking credit card balance vs bank balance psychology



6️⃣ Hashtags

#CreditCard #DebtTrap #PersonalFinance #RuPay #UPI #MoneyManagement #RealityCheck #Hindi #FinancialFreedom #DebtStory